- 5.35% introductory fixed interest rate for the first 5 years, then variable IRCC + 2.20%, if you receive your income into a BT account and want to purchase an A-Class energy green residential property or refinance a loan from another bank secured by an A-Class energy green property.
- 5.45% introductory fixed interest rate for the first 5 years, then variable IRCC + 2.20%, if you receive your income in an account at BT and want to purchase a residential property or refinance a loan from another bank.
- 7.10% introductory fixed interest rate for the first 5 years, then variable IRCC + 2.90%, if you do not receive your income into a BT account and wish to purchase a residential property (including green property Energy Class A for residential use) or refinance a loan from another bank (including those secured by green property Energy Class A).
- ZERO analysis fee
- ZERO property appraisal fee
- 2,000 lei voucher for notary fees*
- 150 lei annual credit administration fee
*For refinancing of mortgage loans contracted from other banks, the notary voucher is granted to all eligible applicant clients. Details here.
- 5.35% introductory fixed interest rate for the first 5 years, then variable IRCC + 2.20%, if you receive your income into a BT account and want to purchase an A-Class energy green residential property or refinance a loan from another bank secured by an A-Class energy green property.
- 5.45% introductory fixed interest rate for the first 5 years, then variable IRCC + 2.20%, if you receive your income in an account at BT and want to purchase a residential property or refinance a loan from another bank.
- 7.10% introductory fixed interest rate for the first 5 years, then variable IRCC + 2.90%, if you do not receive your income into a BT account and wish to purchase a residential property (including green property Energy Class A for residential use) or refinance a loan from another bank (including those secured by green property Energy Class A).
- 500 lei analysis fee
- 650 lei/apartment and 1050 lei/house, land and buildings property appraisal fee
- 2,000 lei voucher for notary fees*
- 150 lei annual loan administration fee
Apply now
Fill in the form below.
Important
Apply online on the campaign page between October 13 and 18, 2026, to take advantage of the promotional offers. Then, we look forward to seeing you at a BT branch by October 30, 2026, inclusive, to receive and sign the personalized offer (European Standard Information Form - ESIS).
If you want it to be even faster, you can also schedule online at your preferred branch. 😊
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You have salary income, pensions, or other types of stable income for at least 3 months
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You have a good payment history
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You have prepared a down payment of at least 15% of the property value depending on: the purpose of the loan, the loan currency versus the currency in which your income is earned, and whether you own other properties
The loan term is a minimum of 72 months up to 30 years
If you already have a mortgage with another bank, you can benefit from advantageous terms and a lower monthly payment by refinancing with BT.
You can take the loan together with your spouse, children, brothers/sisters, brothers-in-law/sisters-in-law, your spouse's parents, as well as your life partner
Loan amount
300,000 lei
Fixed interest rate
5.35% fixed for the first 5 years, then variable IRCC + 2.20%
Loan term
30 years (360 equal installments)
Monthly installment amount
1,675 lei fixed for the first 5 years, then 2,095 lei
Annual Percentage Rate (APR)
7,09%
Total cost of the loan
433,474 lei
Total amount to pay
733,474 lei
Loan amount
300,000 lei
Fixed interest rate
5,35%
Loan term
30 years (360 declining installments)
Monthly installment amount
Starting at 2,171 lei for the first 5 years, then from 2,452 lei
Annual Percentage Rate (APR)
6.95%
Total cost of the loan
321,886 lei
Total amount to pay***
621,886 lei
*The example was calculated assuming you receive your income at BT and want to purchase a green residential property (energy class A) or refinance a loan from another bank with a property guarantee of energy class A. For the period when the variable interest rate applies, it consists of the bank’s fixed margin and the IRCC reference index, with the interest rate changing according to the evolution of this index. The interest rate will be updated and adjusted quarterly by the bank, based on the IRCC monetary index. Changes in the reference index, as well as fluctuations in income, may affect your ability to pay the loan installments or the total amount payable.
The annual credit administration fee of 150 lei is included in the total cost of the loan. The RNPM registration fee (National Register of Movable Property Publicity) of 88.40 lei per guarantee is included in the total cost of the loan. The mortgage loan is secured by the mortgage of a real estate asset in accordance with the applicable contractual and legal provisions. To grant the loan, it is necessary to conclude a mandatory home insurance (PAD), as well as optional property insurance.
Apply now
Fill in the form below.
ZERO commission for appraisal & issuance fee
You are one step closer to your new home. You get a fixed interest rate for the first 3 or 5 years and 2,000 lei vouchers for notary fees.
